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Cross-Border Banking

Heading south? We make it easier to pack a TD Bank U.S. based account.

Our U.S. Bank has nearly 1,300 Stores.

TD offers a variety of cross-border banking services, whether you live in the U.S. part-time or visit for shopping, business or travel. Let us recommend the cross-border banking solutions that meet your needs.

Get all the convenience and comfort of home with TD Bank,
America’s Most Convenient Bank®.

Convenient banking on both sides of the border

With a U.S.-based chequing account at TD Bank, America’s Most Convenient Bank, and a Canadian-based account at TD Canada Trust you can manage your money, from either side of the border. If you live in the U.S., make life easier with convenient access to your account, online banking, and free U.S. bill payments from your U.S. based account. You can also view your Canadian and U.S.-based accounts from the TD app and TD Canada Trust EasyWeb.

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Easily transfer money across the border

Use Visa Direct to send up to $2,500 a day from your Canadian based personal bank account at TD Canada Trust to your U.S. based personal bank accounts with TD Bank, America's Most Convenient Bank that is linked to your TD Bank Visa Debit Card, and we will refund the transfer fee.1

If you need to transfer a larger amount, call the TD Cross-Border Banking Support Line at 1-877-700-2913.2

U.S. purchases in U.S. dollars

As a Canadian living part-time in the U.S., you can enjoy the convenience of making your purchases in the U.S. directly in U.S. dollars with a TD U.S. Dollar Visa* Card from TD Canada Trust. Or, there are a variety of U.S. dollar credit cards3 that let you earn rewards for your purchases, including the TD Aeroplan™ Visa Signature® Card from TD Bank, America's Most Convenient Bank which may be available and of interest to you. Call our Cross Border Banking hotline at 1-877-700-2913 for details.

Be prepared for travel emergencies

TD Travel Medical Insurance has you covered with no out-of-pocket costs on eligible medical emergency expenses, so travel with confidence!4 Plus, if you have a TD Canada Trust Borderless Plan, you may be eligible for a 5% discount on TD Travel Medical Insurance. View all our available plans and find the coverage that fits your needs.

Buying or own a property in the U.S.?5

TD Bank, America's Most Convenient Bank uses your Canadian credit history and income when applying for financing. Download our brochure to help you better understand the U.S. mortgage process before submitting an application.

Download the PDF

With a Canada-based U.S. Dollar account, you don't have to take time out of your busy day to exchange money in person or calculate conversion rates yourself.7

Pay your U.S. bills online in a snap

You can easily pay U.S. bills from your Canadian accounts using the U.S Bill Pay Service through EasyWeb or the TD app.8 It's easy to pay select U.S department store and major credit card bills and US-based utility bills!9

Shop with ease on both sides of the border

Go shopping without exchanging cash every time you cross the border. A TD Canada Trust Borderless Plan helps you save and deposit U.S. funds while in Canada and convert your money at preferred rates.7

Helping you calculate conversion rates

With the TD U.S Dollar Credit Card3 from TD Canada Trust, you as a Canadian gain the convenience of purchasing U.S. dollars, in U.S dollars.

Be prepared for travel emergencies

TD Travel Medical Insurance has you covered with no out-of-pocket costs on eligible medical emergency expenses, so travel with confidence!4 Plus, if you have a TD Canada Trust Borderless Plan, you may be eligible for a 5% discount on TD Travel Medical Insurance. View all our available plans and find the coverage that fits your needs.

Need more help choosing the right products?

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We’ll help you find the solution that meets your needs.

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Call us 24/7

Our cross-border banking support line can help.6

1-877-700-2913

 

Frequently asked questions